【正文】 ...................................................................................7 終端風(fēng)險(xiǎn)管理（M） ...............................................................................................................................7 終端行為分析（M） ...............................................................................................................................7 卡片行為分析（M） ...............................................................................................................................8 聯(lián)機(jī)處理（O） ...................................................................................................................................8 發(fā)卡行腳本處理（O ） .......................................................................................................................8 完成（M） ..........................................................................................................................................8 交易步驟 .....................................................................................................................................................10 應(yīng)用選擇 ................................................................................................................................................10 應(yīng)用初始化 ............................................................................................................................................13 讀應(yīng)用數(shù)據(jù) ............................................................................................................................................16 脫機(jī)數(shù)據(jù)認(rèn)證 ........................................................................................................................................19 處理限制 ................................................................................................................................................26 持卡人驗(yàn)證 ............................................................................................................................................29 終端風(fēng)險(xiǎn)管理 ........................................................................................................................................36 終端行為分析 ........................................................................................................................................41 卡片行為分析 ........................................................................................................................................45 聯(lián)機(jī)處理 ............................................................................................................................................48 發(fā)卡行腳本處理 ................................................................................................................................52 交易結(jié)束 ............................................................................................................................................568. 安全、密鑰和數(shù)字證書(shū) ......................................................................................................................................60附錄 ..............................................................................................................................................................................60A. 目錄結(jié)構(gòu)示例 ......................................................................................................................................................60圖 表iii / 65圖表 7 1：交易流程實(shí)例 .....................................................................................................................................9圖表 7 2：應(yīng)用選擇處理流程圖 .......................................................................................................................12圖表 7 3：應(yīng)用初始化處理流程圖 ...................................................................................................................15圖表 7 4：讀應(yīng)用數(shù)據(jù)處理流程圖 ...................................................................................................................18圖表 7 5：脫機(jī)數(shù)據(jù)認(rèn)證處理流程圖 ...............................................................................................................21圖表 7 6：脫機(jī)數(shù)據(jù)認(rèn)證處理流程 ...................................................................................................................24圖表 7 7：處理限制流程圖 ...............................................................................................................................28圖表 7 8：持卡人驗(yàn)證方法列表處理流程圖 ...................................................................................................32圖表 7 9：PIN 驗(yàn)證處理流程圖（1） ..............................................................................................................34圖表 7 10：PIN 驗(yàn)證處理流程圖（2） ............................................................................................................35圖表 7 11：終端風(fēng)險(xiǎn)管理處理流程圖 (1).........................................................................................................39圖表 7 12：終端風(fēng)險(xiǎn)管理處理流程圖 (2).........................................................................................................40圖表 7 13：終端行為分析處理流程圖 .............................................................................................................44圖表 7 14：卡片行為分析處理流程圖 .............................................................................................................47圖表 7 15：聯(lián)機(jī)處理流程圖 .............................................................................................................................51圖表 7 16：發(fā)卡行腳本處理流程圖 .................................................................................................................55圖表 7 17：交易結(jié)束處理流程圖 .....................................................................................................................59圖表 A 1：最簡(jiǎn)單的卡結(jié)構(gòu) 單應(yīng)用 .................................................................................................................60圖表 A 2：?jiǎn)渭?jí)目錄 .......................................................................................................